2007 Chevrolet Express Car Insurance Cost

Trying to find better car insurance rates for your Chevrolet Express? Having to pay for high-priced Chevrolet Express insurance can deplete your savings account and make it impossible to make ends meet. Comparing rate quotes is a fast and free way to ensure you are getting the best deal.

Big companies like State Farm, Allstate, Geico and Progressive promote their brand names with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Buy auto insurance online

Most larger insurance companies like Allstate and Progressive make it easy to get pricing on their websites. Comparing rates online is fairly straightforward as you simply enter your coverage preferences as detailed in the form. Once entered, the company’s rating system will order your driving record and credit report and quotes a price based on these and other factors. Online price estimates streamlines rate comparisons, but the time it takes to visit different websites and type in the same data can be a bit tiresome and repetitive. But it’s necessary to have as many quotes as possible in order to find the lowest auto insurance rates.

The preferred way to find lower prices uses one form that gets price quotes from many companies. This type of form saves time, requires less work, and makes comparison shopping much simpler. As soon as you send your information, it gets priced and you can select your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

To quickly compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the coverage information exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison for exact coverage.

Find hidden discounts on auto insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Most are applied when you quote, but some discounts are required to be inquired about before you will receive the discount.

• E-sign – Some insurance companies will give a small break just for signing your application digitally online.
• Distant Student Discount – Older children living away from home attending college and don’t have a car may be able to be covered for less.
• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts when compared with insureds who have frequent claims or accidents.
• Good Student Discount – Excelling in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Defensive Driver Discounts – Completing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Senior Citizen Discount – Older drivers could receive a small discount on rates on Express coverage.

A quick disclaimer, most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky.

The best auto insurance companies and a summarized list of policyholder discounts are included below.

• Geico discounts include good student, seat belt use, multi-vehicle, daytime running lights, and defensive driver.
• Travelers may have discounts that include IntelliDrive, save driver, new car, early quote, driver training, and multi-car.
• Farm Bureau offers premium reductions for multi-vehicle, renewal discount, multi-policy, youthful driver, and safe driver.
• Liberty Mutual has savings for multi-policy, multi-car, new graduate, teen driver discount, exclusive group savings, new vehicle discount, and new move discount.
• American Family has discounts for multi-vehicle, TimeAway discount, bundled insurance, good student, defensive driver, air bags, and early bird.
• Progressive may offer discounts for homeowner, multi-vehicle, online quote discount, good student, and online signing.

Before you buy a policy, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to view providers with the best auto insurance discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

• Does coverage extend to Mexico or Canada?
• Should I buy additional glass protection?
• Should I file a claim if it’s only slightly more than my deductible?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need motorclub coverage?
• Are my friends covered when driving my car?
• Is my teenager covered with friends in the car?
• What if I don’t agree with a claim settlement offer?
• Can my babysitter drive my car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance coverages and their meanings

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like nursing services, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Express caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, colliding with a tree, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, medical services, bail bonds, court costs and pain and suffering. How much coverage you buy is a personal decision, but buy as much as you can afford.